Thirty-four percent of medical residents are “very concerned” about their debt, according to a survey of 1,500 residents by AMA Insurance. And almost two-thirds feel like they’re not saving enough for retirement, while only 34% think they’re doing fine and just 4% feel like they’re actually ahead, AMA Wire writes.

And there may be cause for concern: 46% of respondents have saved less than $25,000 for retirement, while a quarter of respondents already have a child under 18, according to the publication. Not surprisingly, 21% of respondents say they’re concerned about paying for their children’s college, the study found. In addition, 19% are worried about caring for their parents and 19% are concerned about having enough disability insurance, according to the survey.

Meanwhile, 73% of medical residents don’t use a financial advisor, for reasons ranging from not having enough time to not being able to find the right one, the study found.

Allan Phillips, financial advisor with Taylor Wealth Solutions, suggests that working with an advisor can help medical residents budget better, find the right insurance, manage debt and start saving, according to AMA Wire.

Phillips also warns against putting debt repayment at the top of their priority list. Instead, he advises medical residents to build an emergency fund by saving 15% of their income, and focus on repaying high-interest debt such as car loans, mortgages and consumer debt, according to the publication.

In addition, medical residents should set realistic budgets, Phillips says. After the emergency fund is set up, he suggests saving 15% to 20% of their income to build wealth, maxing out their company’s 401(k) or 403(b) matching options and thinking about setting up a Roth IRA, he says, according to AMA Wire.

Medical residents should also seek help with their contracts, using resources at AMA or a state medical society to locate a qualified lawyer and enlisting the advice of physician mentors, according to Phillips, the publication writes. He also recommends that medical residents get essential insurance, which includes life, disability and umbrella liability insurance, AMA Wire writes.

Consider the life of a chef on the road. Even when they’re not doing “research” for an upcoming project—trips that are essentially designed for overeating and drinking—they’re still likely seeking the best of what got them into the industry in the first place: damn good food.

The proliferation of low-cost airlines flying out of the U.S. means that it’s now possible to hop to Europe for as low as half the price charged by major carriers, the New York Times writes. But there’s always a trade-off — and it pays to comparison-shop, according to the publication.

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